Personal Investments • Change of Funds Upon Retirement

Does this mean that Bogleheads do not live off of dividends even if mathematically they could bc it is not as prudent financially? That instead, calculated withdrawals are made?

I spend my dividends coming off my taxable brokerage account (VTI), because I'm taxed on them regardless of whether I reinvest them or spend them.
When I need some extra money for spending, I sell a few shares of VTI in my taxable account (because I am younger than age 59.5).
Easy-peasy.

My simple, self-managed, low-cost, tax-efficient, basically-3-fund portfolio is held mainly at Schwab.
Maximum expense ratio for any single fund/ETF in the portfolio is 0.07% (SGOV).

Taxable brokerage account (Schwab): 100% VTI (Vanguard Total Stock Market ETF).
Roth IRA (Schwab): 64% SCHB (Schwab US Broad Market ETF) and 36% SCHF (Schwab International Index ETF).
Traditional (rollover) IRA (Schwab): 58% 30yr TIPS ladder, 21% BND (Vanguard Total Bond Market ETF), 21% SGOV (iShares 0-3 Month Treasury Bond ETF).
HSA (Optum Bank): 100% VITSX (Vanguard Total Stock Market Index Fund).
Checking account (large national bank): few hundred dollars to pay monthly bills.
Summary below.

Statistics: Posted by steadyosmosis — Sat Apr 13, 2024 2:34 am — Replies 25 — Views 1491

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